Depending on the application, first, last, security, and another month or two.

Not all VA loans are owner-occupied as the VA gives you an allotment so you can have multiple properties with VA loans depending on what they clear you for.

This takes a little more work, but it's the fairest and reduces the likelihood of tenants that squander utilities.If you choose #2 or #3, there are considerations:Start with an average.

I'm looking for advice on what I should choose. 

Either would be a great option; I'd probably choose Roseville because it's more established, but the City of Elk Grove deserves a lot of credit for its impactful growth programs, so it wouldn't be a bad option. 

STR it will cost you big.this isn't a difficult job depending on the fridge location.

These %percentages are market dependant.  

@Daniel Medellin Regarding your question, it would depend on the lender or bank you're working with if you want to go that route in the future. 

I meet my contractors at whatever supply company they choose, at the time they say.

It all depends on the lender really.